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Financial Plan for Puspa Gautam

Dec.5, 2017

Age 30

Net Income: $54,900/year (reference exhibit A Income Statement on page 2)

Net Worth: $ 220,990.00 (reference exhibit B Balance Sheet on page 3)

Monthly Savings: $4,575/month (reference exhibit A Income Statement on page 2)

Investor Profile: Aggressive (reference exhibit C Investor Profile Questionnaire on page 4)

Credit Score: 800 (optional)

Tax Bracket: 25%

Emergency Savings: $4800 American first credit union Online Savings Bank

Life Insurance: $500,000 20 Year Term Policy Protractive Insurance

Savings Goals:

#1 Emergency Savings:
Goal Amount $4800
Start Date: June 1, 2018
Target End Date: June. 1, 2020
Time: 3 years
Monthly Investment: $134
Investment: American first credit union Online Bank
Anticipated Annual Return: 1.5%

#2 Home Down Payment:


Goal Amount: $10,000
Savings Start Date: April 1, 2018
Targeted End Date: April 1, 2023
Time: 5 years
Monthly Investment: $167
Investment: TRRNX Fidelity Strategic Income
Anticipated Annual Return: 5%

#3 Retirement:
Goal Amount: $2.0MM
Start Date: June1, 2018
Targeted End Date: June1, 2053
Time: 35 years
Monthly Investment: $300 (increase to $400 after graduation)
Investment: T Rowe Price Target Date 2055
Anticipated Annual Return: 8.85%